If you have accumulated a corpus of Rs. 5 crore, it may be the right time to optimise returns while preserving capital. A fixed deposit offers stable and predictable income with low risk. You can choose periodic interest payouts or maturity-based returns based on your needs. Do note, Bajaj Finance Fixed Deposits allow a maximum investment of up to Rs. 3 crore per individual.
Build wealth your way! Choose between monthly payouts or lump sum maturity with flexible FDs designed around your goals. Check latest FD rates provided by Bajaj Finance and start earning today.
Two FD types for two financial goals
- Cumulative FD
Ideal for long-term savers who want to grow their funds through compounding. You receive the entire amount—principal plus interest—on maturity. - Non-Cumulative FD
Best for those seeking regular income. You can opt for monthly, quarterly, half-yearly, or yearly payouts depending on your needs.
Let us show you the interest calculation for Rs. 5 crore FD in different scenarios.
Monthly Interest Payout on Rs. 5 crore Fixed Deposit assuming interest rates of 6% till 10%.
Deposit Amount | Interest Rate (p.a.) | Monthly Interest Payout |
Rs. 5 crore | 6.00% | Rs. 2,50,000 |
Rs. 5 crore | 6.50% | Rs. 2,70,833 |
Rs. 5 crore | 7.00% | Rs. 2,91,667 |
Rs. 5 crore | 7.50% | Rs. 3,12,500 |
Rs. 5 crore | 8.00% | Rs. 3,33,333 |
Rs. 5 crore | 8.50% | Rs. 3,54,167 |
Rs. 5 crore | 9.00% | Rs. 3,75,000 |
Rs. 5 crore | 9.50% | Rs. 3,95,833 |
Rs. 5 crore | 10.00% | Rs. 4,16,667 |
* The rates and interest amounts mentioned above are for illustration purposes only. For actual returns, please refer to the BFL FD calculator.
Lock in high interest of up to 7.75% p.a. with Bajaj Finance FD. Start with just Rs. 15,000, up to Rs. 3 crore. Open FD.
Monthly Interest Rate for Rs. 5 Crore Fixed Deposit
For an easy understanding of interest calculations, refer to the following tables for both types of Fixed Deposits.
Following are the calculations of interest earnings for five crore fixed deposit for senior citizens and citizens aged below 60:
Citizens aged below 60 investing in an FD:
Deposit amount | Tenor | Interest rate | Interest earnings (Rs.) | Total Maturity Value (Rs.) |
Rs. 5 crore | 12 months | 6.41% p.a. | 32,05,000 | 5,32,05,000 |
Rs. 5 crore | 24 months | 7.16% p.a. | 67,40,000 | 5,67,40,000 |
Rs. 5 crore | 36 months | 7.16% p.a. | 1,01,15,146 | 6,01,15,146 |
Rs. 5 crore | 60 months | 7.16% p.a. | 1,68,50,000 | 6,68,50,000 |
Senior citizens investing in an FD:
Deposit amount | Tenor | Interest rate | Interest earning (Rs.) | Total earnings (Rs.) |
Rs. 5 Crore | 12 months | 6.74% p.a. | 33,70,000 | 5,33,70,000 |
Rs. 5 Crore | 24 months | 7.49%p.a. | 70,70,000 | 5,70,70,000 |
Rs. 5 Crore | 36 months | 7.49% p.a. | 1,06,10,398 | 6,06,10,398 |
Rs. 5 Crore | 60 months | 7.49% p.a. | 1,76,75,000 | 6,76,75,000 |
Important note: The maximum investment limit for a Bajaj Finance FD in Rs. 3 crore.
You must have noticed that returns from the cumulative fixed deposit are higher than non-cumulative ones because you are not withdrawing your interest amount periodically. It will remain invested and compound till the maturity date. Whereas, in the case of non-cumulative FD, you get monthly interest payouts that leave less money remaining for compounding.
